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Voluntary Long-Term Disability Plan (Employee Paid)

If your organization does not provide Long-Term Disability Insurance as a benefit, employees may still purchase it through their employer. They may purchase coverage for 50% of their regular compensation, up to $5,000 per month.

For premium amounts, please see Disability Premiums.

Benefit Reductions

Benefits provided under the Long-Term Disability policy are subject to certain limitations and restrictions. 

Portability

Once insured for at least 12 months, an employee whose employment is terminated may be eligible to continue coverage for up to 12 months by applying directly to Zurich American Life Insurance Company (Zurich). However, Zurich must receive the Application for Conversion of Group Long-Term Disability Insurance within 30 days of the employee's termination date.

To learn more:

  • See Long-Term Disability Publications for detailed Summaries of Benefits for all long-term disability plans
  • Call Client Services at (855) 215-5990, Monday – Friday, 8:30AM – 8:00PM ET (excluding holidays), or Email us

To enroll your institution, call Client Services at (855) 215-5990, Monday – Friday, 8:30AM – 8:00PM ET (excluding holidays), or Email us.

 

Policy Number: CNYEX01112
Disability Insurance Disclaimer

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Need Help?

Call (855) 215-5990 or
email us  

Monday – Friday
8:30AM – 8:00PM ET
(excluding holidays)